Top of mind issues for credit card issuers

The US credit card industry is beginning 2026 with a mix of challenges and opportunities. Q4'25 saw a shift in consumer sentiment, becoming more cautious due to the federal government shutdown and ongoing price pressures, yet many issuers still expect to report robust spending during the holiday season. Meanwhile, the industry continues to see active merger and acquisition deals and new partnerships with financial technology companies, driven by the need to stay competitive and explore innovative payment solutions. Learn more about the top issues impacting credit card issuers in the January 2026 top of mind summary.

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• Strategy insights
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• Credit conditions